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Cities With the Best Credit Scores

If you live in the Midwest, then you live in the U.S. region where residents are the most responsible with their money. So says Experian, an agency that collects financial information about people, businesses, cars and insurance. They’ve analyzed the credit and debt habits of the American people and determined which cities have the people with the highest credit scores.

The findings come from its second-annual “State of Credit” report. Those results are based on the average VantageScore by designated market area from January throughJune 2011.

The VantageScore has a range of 501 to 900, from worst to best. Among other things, the analysis revealed that the average credit score in the U.S. is 749, the average debt is $24,542 and the average percentage of available credit in American households is 71.17 percent.

Using data from Experian, CNBC.com presents 2012 edition of the cities with the best credit scores.